Comenity Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money to assets dropped 3.68 percentage points in Q2 2026, from 32.22% to 28.54%. It was the largest change from Q1 2026 among the key lines here. Among 17 Delaware banks, Comenity Bank sits 2nd from the top on loan-to-deposit ratio, 157.73% as of Q2 2026. Comenity Bank's loan-to-deposit ratio of 157.73% is well above the 88.20% median for banks in the $1B-10B asset tier, a gap of 69.53 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.11B |
| Cash and noninterest-bearing balances to assets | 15.10% |
| Cash and securities | $1.20B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.10B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 28.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 157.73% |
| Net loans and leases to deposits | 139.51% |
| Loans and leases to core deposits | 157.73% |
| Core deposits to total deposits | 1.91% |
| Brokered deposits to total deposits | 99.09% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 168.99% | 6.95% | $0 | $2.30B |
| Q4 2023 | 175.72% | 5.45% | $0 | $2.62B |
| Q1 2024 | 183.26% | 5.24% | $0 | $2.59B |
| Q2 2024 | 191.71% | 6.19% | $0 | $2.74B |
| Q3 2024 | 205.65% | 6.59% | $0 | $2.91B |
| Q4 2024 | 214.32% | 6.60% | $0 | $3.44B |
| Q1 2025 | 203.25% | 10.72% | $0 | $3.00B |
| Q2 2025 | 188.30% | 1.76% | $0 | $2.71B |
| Q3 2025 | 175.21% | 1.65% | $0 | $2.43B |
| Q4 2025 | 180.48% | 1.72% | $0 | $2.71B |
| Q1 2026 | 161.22% | 1.52% | $0 | $2.50B |
| Q2 2026 | 157.73% | 1.91% | $0 | $2.10B |
Comenity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Comenity Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Comenity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27499) · FFIEC NIC profile (RSSD 1391778)